Down More Than 45%, Is PayPal Stock a Buy Now?

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PayPal (PYPL) stock has seen a significant decline of over 45% from its 52-week high, with a 29% drop year-to-date, due to challenges in its branded checkout, macroeconomic headwinds, and increased competition. Despite revenue and EPS growth in 2025, the outlook for 2026 is tempered by ongoing investments and operational issues. While Venmo, enterprise payments, and BNPL show strength, Wall Street’s consensus rating on PYPL remains a “Hold”, suggesting a balanced risk-reward profile for the stock.

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